Dustin Peyser - Coldwell Banker Realty (2026)

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27/11/2025

Splash Financial Student Loans Review: Pros And Cons: Splash Financial has made a "splash" in the student loan market by offering some of the best rates and best student loan bonuses available.

They started out focusing on medical school loan refinancing, but they now have expanded and offer a marketplace of general student loans to anyone with an associates degree or higher.

Check out our review of Splash Financial and see why we list them on our Best Places To Refinance Student Loans guide.

Splash is currently offering College Investor readers a $500 bonus if you refinance at least $50,000⁴. That's a great bonus, and you can apply here to get started.

Bottom Line: Splash can be a great option for student loan refinancing, with unique programs for medical school. You should at least get a quote and compare it to other lenders as part of your shopping experience.

---

Quick Summary

* Student loan marketplace with excellent rates
* High refinancing limit works well for medical grads or advanced degrees
* A $500 bonus when you refinance through Splash⁴

GET A QUOTE

Pros

* Competitive rates compared to other refinancing lenders
* Special refinancing support for medical residents with $100 monthly payments for up to 84 months
* $500 refinance bonus for College Investor readers (with $50,000+ balance)

Cons

* Federal loan benefits like IDR and PSLF are lost after refinancing
* Bonus is smaller than some competitors (e.g., ELFI up to $1,100)
* Customer service and protections depend on partner banks or credit unions, not Splash directly

Who Is Splash Financial?

Splash Financial launched in 2013 as a direct lender with a strong focus on medical professionals. However, in 2018, Splash began to shift its strategy. At that time, it announced a partnership with Pentagon Federal Credit Union (PenFed) to help it compete with some of the larger players in the refinancing industry.

Since then, Splash has worked hard to develop partnerships with other banks and credit unions.

Today, Splash is actually a lender marketplace. In other words, it connects borrowers to lenders rather than servicing loans itself. With this in mind, Splash is now more of a direct competitor with marketplaces like Credible or LendKey than individual lenders like ELFI or SoFi.

Splash Financial Product Offerings | Source: The College Investor

General Student Loan Refinancing

Splash Financial offers a general student loan refinancing product that targets all borrowers with a bachelor's degree or higher (in some cases an associate degree in certain healthcare fields). This product is highly competitive, with some of the best rates we've seen compared to the other top student loan refinancing companies.

Splash Financial's partners currently offer loans from $5,000 (with no maximum). Their rates currently are:

* Fixed Rates: 4.49% - 10.24% APR¹
* Variable Rates: 4.74% - 10.24% APR¹

Term lengths are: 5 to 25 years². Remember, rates are subject to change without notice. For current rates and fees, check out Splash Financial.

Medical School Student Loan Refinancing

Studying to become a doctor? By the time you graduate from medical school, you’ll have wracked up $200,000 in educational debt on average.

Sure you’ll have high earning potential and stable job prospects, but that kind of debt is a tough pill to swallow- especially during residency when you’re not earning much, but you have to start making payments on your debt.

In the past, medical professionals often had to struggle through residency before finding refinancing options. Today, medical residents and medical students have a myriad of low-cost refinancing including Splash Financial, a company that was founded with a focus on debt for medical professionals.

That's why we named Splash one of the Best Medical School Student Loan Refinancing Lenders.

If you’re in medical school, residency, or just starting your career, refinancing your loans with Splash Financial could be a savvy move. It offers reduced payments of $100 during training and for 6 months after for a total of 84 months.

Splash Med School Loans | Source: The College Investor

However, Splash Financial isn’t the only company offering this perk. Laurel Road, SoFi, and other upstarts are also offering this option. So be sure to compare rates before you commit to any company in particular.

We are partners with Splash Financial and you can get a $500 bonus when you refinance over $50,000 with them⁴. Check out Splash Financial here.

How Does Splash Compare?

This is always the important question - because when you're shopping to refinance your student loans, we're firm believers that you should always shop around. It's why we recommend everyone use a comparison tool like Credible to see what the best loans are you might qualify for!

With that being said, here's how Splash compares to ELFI and Laurel Road, two other companies that offer strong refinancing options for student loans:

Header

Rating

Variable APR

4.74% - 10.24%¹

4.74% - 8.24%

5.04% - 9.05%

Fixed APR

4.49% - 10.24%¹

4.88% - 8.44%

4.74% - 8.75%

Bonus Offer

Up to $500⁴

Up to $1,100

Up to $200

Cell

OPEN ACCOUNT

READ THE REVIEW

READ THE REVIEW

Remember, you can always find our picks for the best student loan refinancing lenders here: Student Loan Refinancing Companies.

What Borrower Protections Are Available?

Refinancing your loans to Splash Financial means you can’t qualify for income-driven repayment or Public Student Loan Forgiveness (an option for many medical professionals who work in not-for-profit hospitals).

But Splash offers some peace of mind for medical residents by offering up to 84 months of deferment with low $100 payments. Forbearance and death or disability discharge may be available depending on the financing partner, but is not guaranteed. Check your loan agreement to be certain.

Who Qualifies To Apply?

You must be a graduate of a Title IV accredited institution to apply for refinancing with Splash. However, while many private student loan lenders require at least a bachelor's degree, Splash says that associate degree graduates may be be eligible to refinance as well. To qualify, the associate degree must be in one of the following fields:

* Cardiovascular Technologist (CVT)
* Dental Hygiene
* Diagnostic Medical Sonography
* EMT/Paramedics
* Nuclear Technician
* Nursing
* Occupational Therapy Assistant
* Pharmacy Technician
* Physical Therapy Assistant
* Radiation Therapy
* Radiologic/MRI Technologist
* Respiratory Therapy
* Surgical Technologist

Parents are eligible to refinance Parent PLUS loans as long as their child earned their degree. Minimum credit score requirements will vary by lender.

Are There Any Fees?

Splash Financial says that none of its partners charge origination fees or prepayment penalties. But most lenders do charge late fees and/or returned check fees. To find out whether these fees apply and how they're calculated, check with the lender that will be servicing your loan.

Is It Safe And Secure?

Splash Financial says that its servers adhere to industry-standard security measures. Its site is also SSL encrypted and verified. To learn more about how Splash uses your personal information and how long your data is kept on its servers, you can review its online privacy policy page.

Contact

You can contact Splash Financial's customer support team at 1-800-349-3938, Monday - Friday, 9 AM - 9 PM EST or by email at [email protected]. But keep in mind that if you have a billing question or concern, you'll likely need to reach out to the bank or credit union that funded your loan.

Why Should You Trust Us

I am America’s Student Loan Debt Expert™ and have been actively writing about and covering student loans since 2009. Myself and the team here at The College Investor have been actively tracking student loan providers since 2015 and have reviewed, tested, and followed almost every provider and lender in the space.

Furthermore, our compliance team reviews the rates and terms on these listing every weekday to ensure they are accurate. That way you can be sure you're looking at an accurate and up-to-date rate when you're comparison shopping.

Who Is This For And Is It Worth It?

Medical student debt, can be overwhelming and expensive. Splash Financial can make it easier to handle during your training. The company offers decent rates, and amazing terms. If you’re struggling with medical education debt, Splash Financial is worth a look. But be sure to compare the terms and conditions with other lenders before you decide.

Common Questions

Let's answer some common questions about Splash Financial.

What is Splash Financial?

Splash Financial is a lender marketplace that connects student loan borrowers with banks and credit unions.

Is Splash Financial legit?

Yes, although Splash is still relatively young company, it has partnered with several major financial institutions and none of its partners charge junk fees.

Which banks and credit unions have partnered with Splash?

Splash is currently partnered with a variety of credit unions and banks, and is actively looking to grow its lender network.

Will applying with Splash hurt my credit score?

No, checking your pre-qualified rates with Splash won't impact your credit score since it will conduct a soft credit pull. But when you submit a full loan application, a hard credit inquiry will be completed which is likely to have a slight negative affect on your credit scores in the short-term.

Features

Min Loan Amount

$5,000

Max Loan Amount

No max

Rate Type

Fixed or variable

APR

* Fixed: 4.49% - 10.24%¹
* Variable: 4.74% - 10.24%¹

Autopay Discount

Varies by lender. Most offer a discount of 0.25%

Loan Terms

5 - 25 years

Origination Fees

None

Prepayment Penalty

None

Late Payment Fee

Varies by lender

Cosigners Allowed

No cosigners allowed for student loan refinancing

Cosigner Release

N/A

Grace Period

Varies by lender

Eligible Schools

Title-IV accredited schools

Associate Degree Refinancing

Yes, for professionals in certain healthcare fields

Customer Service Phone Number

1-800-349-3938

Customer Service Hours

Mon–Fri, 9 AM–9 PM (EST)

Customer Service Email Address

[email protected]

Loan Servicer

Varies by lender

Promotions

$500 bonus⁴

Disclosures

See disclaimers at: https://www.splashfinancial.com/disclaimers/

Splash Financial, Inc. (NMLS #1630038), licensed by the DFPI under California Financing Law, license # 60DBO-102545

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Products may not be available in all states. Rates and terms are subject to change at any point prior to application submission. The information you provide is an inquiry to determine whether Splash’s lending partners can make you a loan offer. To qualify, a borrower must be a U.S. citizen or other eligible status and meet lender underwriting requirements. Lowest rates are reserved for the highest qualified borrowers and may require an autopay discount of 0.25%. Splash does not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, creditworthiness, income and other factors. This information is current as of June 5, 2023. You should review the benefits of your federal student loan; it may offer specific benefits that a private refinance/consolidation loan may not offer. If you work in the public sector, are in the military or taking advantage of a federal department of relief program, such as income-based repayment or public service forgiveness, you may not want to refinance, as these benefits do not transfer to private refinance/consolidation loans.

1Autopay Discount. Rates listed include a 0.25% autopay discount.

Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed APR options range from 4.96% (with autopay) to 11.24% (without autopay). Variable APR options range from 4.99% (with autopay) to 11.14% (without autopay). Variable rates are derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001).

2Payment Disclosure. Fixed loans feature repayment terms of 5 to 20 years. For example, the monthly payment for a sample $10,000 with an APR of 5.47% for a 12-year term would be $94.86. Variable loans feature repayment terms of 5 to 25 years. For example, the monthly payment for a sample $10,000 with an APR of 5.90% for a 15-year term would be $83.85.

3Credit Pull Disclosure. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

4Bonus Disclosure. Terms and conditions apply. Offer is subject to lender approval. To receive the offer, you must: (1) be refinancing over either $50,000, $100,000 or $200,000 in student loans depending on the channel partner that is providing the bonus offer (2) register and/or apply through the referral link you were given; (3) complete a loan application with Splash Financial; (4) have and provide a valid US address to receive bonus; (5) and meet Splash Financial’s underwriting criteria. Once conditions are met and the loan has been disbursed, you will receive your welcome bonus via a check to your submitted address within 90-120 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. Splash reserves the right to change or terminate the offer at any time with or without notice. Bonus Offer is for new customers only.

Editor: Clint Proctor

Reviewed by: Ashley Barnett

The post Splash Financial Student Loans Review: Pros And Cons appeared first on The College Investor.

http://dlvr.it/TPTv7b

27/11/2025

Student Loan Tax Cliff Nears: Key Deadline Ahead: Key Points

* The federal tax exemption for income-driven repayment (IDR) student loan forgiveness expires after December 31, 2025.
* The Department of Education will use the borrower’s milestone date as the “effective” discharge date for IRS purposes.
* Some borrowers who may qualify for forgiveness now must act before year-end if they want protection from a possible tax bill.

On December 31, 2025, a temporary federal tax exemption for forgiven student loan debt expires. Beginning in 2026, borrowers who receive forgiveness through income-driven repayment (IDR) plans may once again face federal and state income tax on any discharged balance.

The exemption, created in 2021, was intended to give long-term borrowers breathing room. Typically, forgiven debt is taxable - meaning that the balance of the forgiven debt was treated like ordinary income and added to your tax return. This could mean large tax bills - something that borrowers who struggled to repay their student loans for 20 or 25 years likely couldn't afford.

The change does not affect Public Service Loan Forgiveness, which remains tax-free. But it will reshape financial planning for millions in IBR, PAYE, and ICR (along with those in other programs that may be taxable).

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Milestone Date Matters More Than The Processing Date

A critical rule shapes who owes taxes and who doesn’t by the timeline: The date for federal tax purposes is when the borrower becomes eligible for forgiveness, not when the cancellation is processed.

Servicer backlogs have always meant that loans may take weeks or months to move from “eligible” to “fully discharged.” But for federal taxes, the moment the borrower hits the required number of qualifying payments (typically 240 or 300) is the moment that determines the tax year.

Example

* A borrower’s 240th qualifying payment posts on December 15, 2025.
* Their loan servicer completes the discharge on January 20, 2026.
* For federal tax purposes, the borrower is treated as having been forgiven in 2025, the final year of tax-free IDR cancellation.

If that same milestone is reached on January 2, 2026, the forgiven balance would fall into the first year of renewed tax liability.

For borrowers close to the finish line, a few weeks’ difference could translate to thousands of dollars in taxes.

Who Is Most At Risk of A "Tax Bomb"?

There are a few groups that need to especially be paying attention.

Borrowers Approaching 20 or 25 Years of IDR Payments

Those nearing the end of IBR, PAYE, or ICR repayment terms face the highest stakes. Borrowers who began repayment in the late 1990s or early 2000s (especially those with long periods of deferment or forbearance) may unexpectedly find themselves close to forgiveness without realizing it.

This group should confirm their IDR payment count as soon as possible. Some borrowers received payment adjustments in recent years that shortened their remaining timeline, pushing them closer to loan forgiveness without warning.

Borrowers With High Balances

Large remaining balances create the largest tax exposure. Even modest incomes can face significant tax bills when tens of thousands of dollars become taxable at once.

Borrowers with graduate school debt, Parent PLUS loans consolidated into IDR plans, or loans that have grown due to interest are most likely to feel the impact.

Run the Tax Bomb Calculator to get an estimate of what you could owe.

Borrowers in States That Tax Forgiven Debt

Several states treat forgiven student debt as taxable income. After 2025, the list will grow as 20 states automatically conform their tax rules to federal law - meaning when the tax-free forgiveness expires, the same thing happens in those states. Borrowers living in these states should pay especially close attention.

Some SAVE Borrowers Stuck in Legal Forbearance

Millions enrolled in SAVE are currently in a forbearance due to ongoing litigation. This period does not count toward IDR forgiveness or PSLF progress.

For borrowers who may already have reached or be near their 20- or 25-year thresholds, this pause creates a risk. Borrowers who have the time need to switch into IBR, ICR, or PAYE before December 31 to ensure their forgiveness is completed.

How Borrowers Can Prepare Now

There are things that student loan borrowers can do now.

1. Confirm Your Payment Count

Contact your loan servicer and request your updated IDR qualifying payment total. It's important since the IDR tracker disappeared from StudentAid.gov. Servicers can take time to respond, and borrowers close to the 20- or 25-year mark should act soon.

2. Document the Date You Reach Eligibility

Keep screenshots, statements, and written confirmation showing the date your qualifying payment threshold is met. This date determines whether forgiveness is tax-free.

3. Consider Switching Repayment Plans if You’re in SAVE

Borrowers stuck in the SAVE forbearance who believe they are nearing forgiveness should evaluate whether moving to IBR, ICR, or PAYE before December 31, 2025 will ensure they qualify.

4. Review Potential Tax Liability

Borrowers likely to reach forgiveness after 2025 should run The College Investor Tax Bomb Estimator to see:

* projected taxable income
* estimated federal and state tax liability
* whether the IRS “insolvency” exception might apply

A tax professional can help outline possible outcomes.

5. Monitor Federal and State Policy

Congress could extend the exemption, but no extension has passed. States may also update their treatment of forgiven debt. Borrowers should stay alert to policy changes that could affect their 2026 tax bill.

What To Do Now

The end of tax-free IDR forgiveness means that more complications may come from time-based student loan forgiveness. For those who have been repaying loans for decades, the next month may determine whether long-awaited forgiveness arrives without a financial sting or whether the forgiven balance creates a tax burden.

Use this time now to understand payment counts, evaluate tax liability, and ensure you know when to expect your forgiveness milestone to be reached.

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Editor: Colin Graves

The post Student Loan Tax Cliff Nears: Key Deadline Ahead appeared first on The College Investor.

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27/11/2025

23 Ways To Earn Extra Cash For Christmas: The holidays are a lot more fun when you’re not worried about how you’ll pay for them. Between gifts, travel, decorations, and family events, Christmas expenses add up fast. The good news? You can still bring in extra cash quickly, even if you’re starting late in the season.

This year is more challenging than ever - and for many, earning a little extra money for Christmas can make a big difference.

I don’t know about you, but time seems to go much faster for me once the holiday seasons hits. That means these ten weeks are going to be up before we know it. If you’ve yet to save anything for Christmas, you still have plenty of time to earn some Christmas spending money.

Whether you're trying to avoid more debt, save and earn to buy something bigger than usual, or do something unexpected for your family, now's the time to get to work!

Below are 23 practical, beginner-friendly ways to earn extra money before Christmas — including difficulty ratings, pros and cons, and how fast each one can realistically start paying off. Pick one, take action today, and you’ll be surprised how much you can earn by the time the holidays arrive.

How to Use This List

To make things simple, every idea includes:

* Difficulty: Easy / Moderate / Skilled
* Time to Start: Same day / 1–3 days / 1 week
* Best For: Who benefits most
* Pros & Cons: Honest breakdown
* Quick Start Tip: Action step you can follow now

Ways to Earn Extra Cash for Christmas

Here's the list.

1. Food Delivery

Difficulty: Easy
Time to Start: 1–3 days
Best For: Anyone with a car, scooter, or bike

Pros:

* High demand during evenings + weekends
* You choose your hours
* Instant payout options available

Cons:

* Income varies by city / weather
* Peak hours can be competitive

Quick Start Tip: Sign up with multiple apps so you can switch if one is slow. Get started with DoorDash here >>

2. Make Holiday Deliveries

Difficulty: Easy
Time to Start: 3–5 days

Pros:

* Holiday grocery demand spikes
* Tips often increase in December

Cons:

* Requires carrying groceries
* Peak shopping times can be crowded

Quick Start Tip: Accept orders near dense apartment buildings for faster batches.

One of the most popular ways to deliver groceries is with Instacart. What's great about Instacart is that you can see a list of all the orders and how much you can earn before you take any gigs on. This is really helpful to plan in advance.

Check out Instacart here >>

3. Sell Unused Items On Facebook Marketplace

Difficulty: Easy
Time to Start: Same day

Pros:

* Fastest way to get immediate cash
* No shipping required

Cons:

* It can be challenging to find items to sell
* Flaky buyers
* Must meet in public places

Quick Start Tip: Take photos in daylight with a neutral background to sell faster.

4. Resell Items For Profit

Difficulty: Moderate
Time to Start: 1–3 days

Pros:

* High profit margins on electronics, tools, and toys
* Flexible schedule

Cons:

* Requires some product knowledge
* Inventory storage

Quick Start Tip: Start with categories you personally understand (video games, sneakers, etc.).

5. Offer Gift-Wrapping Services

Difficulty: Easy
Time to Start: Same day

Pros:

* High demand in December
* Low start-up cost

Cons:

* Requires some creativity
* Seasonal

Quick Start Tip: Promote on neighborhood groups and offer at-home pickup/dropoff.

6. Hang Christmas Lights

Difficulty: Moderate
Time to Start: 1–3 days

Pros:

* Very high demand
* Premium pricing

Cons:

* Ladder required
* Weather-dependent

Quick Start Tip: Offer a flat rate for “roofline only” to simplify pricing.

7. Pet Sit or Walk Dogs

Use Rover, Wag!, or your own local network.
Difficulty: Easy
Time to Start: 1–3 days

Pros:

* High holiday travel demand
* Great for animal lovers

Cons:

* Time-dependent
* Must handle pet emergencies

Quick Start Tip: Create a Rover profile with photos and detailed experience.

Check out Rover or Wag and see if you can find people to dog walk on there.

8. House Sitting During The Holidays

Difficulty: Easy
Time to Start: 1 week

Pros:

* Low labor
* Often includes additional “care tasks” that pay extra

Cons:

* Requires reliability
* Can overlap with your holiday plans

Quick Start Tip: Offer add-ons like mail pickup, plant watering, and snow shoveling.

9. Tutoring Before Finals

Difficulty: Skilled
Time to Start: 1 week

Pros:

* High hourly pay
* Peak demand from Thanksgiving → Christmas

Cons:

* Requires subject expertise

Quick Start Tip: Offer bundled “final exam prep” packages to parents.

10. Become A Virtual Assistant

Difficulty: Moderate
Time to Start: 3–7 days

Pros:

* Fully remote
* Flexible hours

Cons:

* Requires organization + communication skills

Quick Start Tip: Start with admin tasks (email sorting, scheduling) which have low learning curves.

11. Do Freelance Gigs On Fiverr or Upwork

Difficulty: Skilled
Time to Start: 1–3 days

Pros:

* Unlimited earning potential
* Seasonal demand: holiday cards, ads, editing, social posts

Cons:

* Competitive marketplaces

Quick Start Tip: Create “holiday-themed” gig packages for fast sales.

12. Do Paid Surveys Online

Using popular platforms like Swagbucks, InboxDollars, or Survey Ju**ie.
Difficulty: Easy
Time to Start: Same day

Pros:

* Very low barrier to entry
* Can be done while watching TV

Cons:

* Low hourly rate

Quick Start Tip: Focus on high-value surveys; skip anything under $0.50–$1. Check out the full list of the best paid survey sites here.

13. Test Websites And Apps

Difficulty: Easy
Time to Start: 1–3 days

Pros:

* Higher pay than most surveys
* Interesting tasks

Cons:

* Limited availability

Quick Start Tip: Sign up for multiple platforms (UserTesting, UserFeel, TryMyUI).

14. Rent a Room or Space on Airbnb

Difficulty: Moderate
Time to Start: 3–7 days

Pros:

* High holiday travel demand
* Significant income potential

Cons:

* Cleaning and guest management

Quick Start Tip: Offer “winter stay discounts” to stand out.

15. Offer Snow Removal Services

Difficulty: Moderate
Time to Start: Same day

Pros:

* Essential service
* High demand after storms

Cons:

* Physical labor
* Weather-dependent

Quick Start Tip: Use a flat “per driveway” price for quick yes/no decisions.

16. Babysitting

Difficulty: Easy
Time to Start: 1–3 days

Pros:

* Families need coverage for events
* Great hourly pay

Cons:

* Requires patience / attention

Quick Start Tip: Offer a “holiday party babysitting bundle.” See if you can coordinate for multiple families who may be attending the same event.

17. Sell Baked Goods or Holiday Treats

Difficulty: Moderate
Time to Start: 2–4 days

Pros:

* High seasonal demand
* Creative outlet

Cons:

* Ingredient costs
* Must check local cottage food laws

Quick Start Tip: Market via local groups and pre-sell batches.

18. Work Seasonal Retail or Warehouse Shifts

Difficulty: Easy
Time to Start: 1 week

Pros:

* Guaranteed hours
* Employee discounts during peak season

Cons:

* Fixed schedules

Quick Start Tip: Check big-box retailers — many hire urgently in November/December.

19. Sell Handmade Gifts

Difficulty: Skilled
Time to Start: 1–2 weeks

Pros:

* High margins
* Creative work

Cons:

* Requires production time
* Shipping deadlines

Quick Start Tip: Sell digital items (holiday tags, printable gifts) for instant delivery.

20. Cash In Old Giftcards

Use sites like Raise or CardCash.
Difficulty: Easy
Time to Start: Same day

Pros:

* Immediate money
* Minimal effort

Cons:

* Payout is less than face value

Quick Start Tip: Compare offers across multiple platforms to maximize cash.

21. Participate In Research Studies

Difficulty: Moderate
Time to Start: 1 week

Pros:

* High hourly pay
* Many can be done online

Cons:

* Application process varies

Quick Start Tip: Check local universities and online study boards.

22. Flip Furniture or Appliances

Difficulty: Difficult
Time to Start: 3–5 days

Pros:

* Large profit margins
* High December demand

Cons:

* Requires space + transport

Quick Start Tip: Start with small items you can clean and resell quickly.

23. Offer Quick Cleanup or Organization Services

Difficulty: Easy
Time to Start: Same day

Pros:

* Households prep for guests during holidays
* Minimal supplies needed

Cons:

* Some houses may be more work than expected

Quick Start Tip: Offer a “2-hour holiday refresh” package with a fixed price.

How Much Can You Earn Before Christmas?

It depends on the method you choose and how many hours you put in. But some baseline earnings could be:

* $200–$500 selling items
* $300–$800 driving/delivery
* $500–$1,500+ in freelance or skilled work
* $50–$200 from microtasks

Pick one “fast cash” option and one “higher-earning” option and you can easily cover gifts, travel, or extra savings for the holiday season.

You Still Have Time to Earn Cash for Christmas

There are millions of way to earn extra income. If you took any some of these ideas and spend a few hours per week on them you should be able to earn enough cash to cover your Christmas expenses this year.

If you're looking for something a little longer term, check out this list of high paying side gigs that can earn you over $1,000 per month!

Also, remember, you can use a cashback credit card to earn extra cash on the gifts you'd normally be buying. I bring this up because some credit cards sweeten the deal right before the holiday season. Check out these top cashback credit cards to see if it makes sense.

Do you actively earn extra cash for Christmas or save all year?

Editor: Clint Proctor

Reviewed by: Colin Graves

The post 23 Ways To Earn Extra Cash For Christmas appeared first on The College Investor.

http://dlvr.it/TPTv7Q

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Website

https://coloradonewhometours.com/, http://www.dustinpeyser.com/, http://www.californianewhometours.com/

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Dustin Peyser - Coldwell Banker Realty

27/11/2025

27/11/2025

27/11/2025

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